Obtaining missing documents from user

• US 9,786,004 B2
• Filed: 03/27/2014
• Issued: 10/10/2017
• Est. Priority Date: 03/27/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Jasko, Christina, Kane, Brandon, Lupcho, III, Albert R., Ramakrishnan, Arvind Srinivasan, Ur, Kelly, Weber, Jill, Wilson, John J.
• Primary Examiner(s): Shrestha, Bijendra K
• Application Number:
  US14/227,884
• Publication Number:
  US 20150278940A1
• Time in Patent Office: 1,293 Days
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

A customer may desire to enroll in a transaction, such as a product or a service, offered, managed, and/or owned by an institution, such as a financial institution. The customer may attempt to directly enroll in the product or service or may enroll in the product or service through an agent of the institution. The customer and/or agent may select the product or service (e.g., via a workstation or other device), and a computing device may determine which documents the product or service uses, which documents the customer has on file already, and/or which documents the customer is missing. The computing device may cause the customer and/or agent to be notified of the missing documents. When the customer and/or agent provides all of the documents for the product or service (or an exception applies to one or more missing documents), the computing system may enroll the customer in the selected product or service.

Claims

1. A method, comprising:

receiving, by a computing device, a request to enroll a user in a product or service provided by an institution, wherein the product or service uses a document, and wherein the user does not have the document on file with the institution;

determining, by the computing device, whether the user visits a location of the institution at a predetermined time;

in response to determining that the user visits the location of the institution at the predetermined time, sending, by the computing device and to a device at the location of the institution and associated with the institution, an instruction causing the device at the location of the institution and associated with the institution to display an indication that the user does not have the document on file with the institution and an option to generate and send the document; and

generating and sending, by the computing device, the document in response to receiving a selection of the option to generate and send the document, and updating a status of the document in a profile associated with the user, wherein the device at the location of the institution and associated with the institution comprises an automated device operated by the institution, and wherein determining that the user visits the location of the institution at the predetermined time comprises determining that the automated device received user information that identifies the user.

2. The method of claim 1, wherein the institution comprises a financial institution, and wherein the location of the institution comprises a branch of the financial institution.

3. The method of claim 1, wherein the location comprises a branch location of the institution, and wherein determining that the user visits the location of the institution comprises determining that an agent of the institution has provided, via a workstation of the agent, user information that identifies the user.

4. The method of claim 1, further comprising:

generating, by the device at the location of the institution and associated with the institution, the document.

5. The method of claim 1, wherein generating the document comprises one or more of printing a physical copy of the document or generating an electronic copy of the document.

6. The method of claim 1, further comprising:

in response to a determination that the user does not have the document on file with the institution, generating a status identifier for the document, wherein the status identifier indicates that the user is missing the document;

receiving the document from the user or an agent of the institution; and

in response to receiving the document, updating the status identifier for the document wherein the updating the status identifier for the document indicates that the user has the document on file.

14. The method of claim 1, further comprising:

sending, by the device at the location of the institution and associated with the institution, the document to the user.

15. The method of claim 1, further comprising:

determining, by the computing device, a second document used by the product or service; and

generating, by the computing device, the second document by pre-populating information fields of the second document with information contained in the profile associated with the user and on file with the institution.

7. An apparatus, comprising:

a processor; and

memory storing computer-executable instructions that, when executed by the processor, cause the apparatus to;

receive a request to enroll a user in a product or service provided by an institution, wherein the product or service uses a document, and wherein the user does not have the document on file with the institution;

determine whether the user visits a location of the institution at a predetermined time;

in response to determining that the user visits the location of the institution at the predetermined time, send, to a device at the location of the institution and associated with the institution, an instruction causing the device at the location of the institution and associated with the institution to display an indication that the user does not have the document on file with the institution and an option to generate and send the document; and

generate and send the document in response to receiving a selection of the option to generate and send the document, and update a status of the document in a profile associated with the user, wherein the device at the location of the institution and associated with the institution comprises an automated device operated by the institution, and wherein determining that the user visits the location of the institution at the predetermined time comprises determining that the automated device received user information that identifies the user.

8. The apparatus of claim 7, wherein the institution comprises a financial institution, and wherein the location of the institution comprises a branch of the financial institution.

9. The apparatus of claim 7, wherein the location comprises a branch location of the institution, and wherein determining that the user visits the location of the institution comprises determining that an agent of the institution has provided, via a workstation of the agent, user information that identifies the user.

10. The apparatus of claim 7, wherein the memory stores additional computer-executable instructions that, when executed by the processor, cause the apparatus to:

generate, by the device at the location of the institution and associated with the institution, the document.

11. The apparatus of claim 7, wherein generating the document comprises one or more of printing a physical copy of the document or generating an electronic copy of the document.

12. The apparatus of claim 7, wherein the memory stores additional computer-executable instructions that, when executed by the processor, cause the apparatus to:

in response to a determination that the user does not have the document on file with the institution, generate a status identifier for the document, wherein the status identifier indicates that the user is missing the document;

receive the document from the user or an agent of the institution; and

in response to receiving the document, update the status identifier for the document to indicate that the user has the document on file.

16. The apparatus of claim 7, wherein the memory stores additional computer-executable instructions that, when executed by the processor, cause the apparatus to:

cause the device at the location of the institution and associated with the institution to send the document to the user.

17. The apparatus of claim 7, wherein the memory stores additional computer-executable instructions that, when executed by the processor, cause the apparatus to:

determine a second document used by the product or service; and

generate the second document by pre-populating information fields of the second document with information contained in the profile associated with the user and on file with the institution.

13. A non-transitory computer-readable medium having instructions stored thereon that, when executed, cause a computing device to:

receive a request to enroll a user in a product or service provided by an institution, wherein the product or service uses a document, and wherein the user does not have the document on file with the institution;

determine whether the user visits a location of the institution at a predetermined time;

in response to determining that the user visits the location of the institution at the predetermined time, send, to a device at the location of the institution and associated with the institution, an instruction causing the device at the location of the institution and associated with the institution to display an indication that the user does not have the document on file with the institution and an option to generate and send the document; and

generate and send the document in response to receiving a selection of the option to generate and send the document, and update a status of the document in a profile associated with the user, wherein the device at the location of the institution and associated with the institution comprises an automated device operated by the institution, and wherein determining that the user visits the location of the institution at the predetermined time comprises determining that the automated device received user information that identifies the user.